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Property is deemed to be over rented if the passing rent is higher than the current market rent. A situation like this tends to cause concern to lenders who often assess borrowing against market rental income and not that actually being achieved. Their fear is that if the tenant defaults there will then be a challenge achieving the 'higher' rent again with a new tenant.

The downside is that when a property is under rented the lenders use the lower rental figure for any assessments.

I am looking to purchase properties for btl via a ltd company, still early stages. I will need to get a ltd company mortgage and as part of that provide a personal guarantee. Apart from the obvious (accountant fees etc) what would be the negatives in buying via a ltd company? Any issues around the...

Remember you can employ yourself (and other people e.g. A partner. If you do this at the same level as the profit then there is no corporation tax to pay. You'll have to pay income tax obviously.
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You might want to make profits... In order to pay yourself dividends (which...

Thanks im in double figures with rentals, so guess im just in dream world that theres a magic unicorn that comes with this sort of training lol Was starting to look at hmo and that seems to be their business model